Sierra Pacific Mortgage Company in Tennessee vs the state
15.5%Denial rate-1.60 pts vs state
18.5%Decision denial rate-3.22 pts vs state
68.6%Origination rate+10.56 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.17 pts vs state
$83kMedian applicant income
243Loans originated
55Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 385 | 252 | 17.9% | 6.88% | #113 |
| 2024 | 365 | 242 | 17.0% | 6.63% | #128 |
| 2025 | 354 | 243 | 15.5% | 6.63% | #142 |
What Sierra Pacific Mortgage Company lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 79 | 60 | 10 | 12.7% |
| Sullivan County | 48 | 33 | 7 | 14.6% |
| Knox County | 30 | 17 | 4 | 13.3% |
| Greene County | 21 | 11 | 4 | 19.0% |
| Carter County | 17 | 14 | 3 | 17.6% |
| Campbell County | 15 | 11 | 2 | 13.3% |
| Hamblen County | 13 | 8 | 2 | 15.4% |
| Hancock County | 10 | 5 | 2 | 20.0% |
| Shelby County | 10 | 8 | 0 | 0.0% |
| Hawkins County | 10 | 7 | 1 | 10.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 354 applications in 2025, of which 243 were originated and 55 denied.
15.5% of all applications, or 18.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Sierra Pacific Mortgage Company originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Sierra Pacific Mortgage Company's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology